Is the score simulator close?

[deg757]

I need 17 points on my score to be able to qualify for my home loan. My credit utilization was a 40% and the simulator said that if I paid it down I would get more than enough points. I paid my credit card down to 4% and I'm dying to know if it will put me over the top. Experian updated with the new balance 2 days ago but neither of the other two have updated. Does anyone know if the score simulator is close to actual results?

[tooleman694]

It is always way way off.

But I can confirm that paying off credit cards from 40 percent to 4 percent should give you a huge jump. 17 points no problem.

[scmami]

My scores and my husband's are always very close if not higher than the low end of the estimate. Especially with lowering the utilization. Lowered from over 100% to 1% and went from 566 to 634....